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All Journal Parole: Journal of Linguistics and Education PRASI: Jurnal Bahasa, Seni, dan Pengajarannya AKSIOMA Jurnal Pendidikan Matematika Alchemy : Journal of Chemistry Laa Maisyir Jurnal Ekonomi Islam Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Intizar I-ECONOMICS: A Research Journal on Islamic Economics POROS TEKNIK INTEKNA Jurnal Matematika dan Statistika serta Aplikasinya (Jurnal MSA) Al-Ahwal: Jurnal Hukum Keluarga Islam JURNAL BIOLOGI INDONESIA Jurnal ELTIKOM : Jurnal Teknik Elektro, Teknologi Informasi dan Komputer Jurnal Sains Teknologi dan Lingkungan (JSTL) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam As-syifaa Jurnal Farmasi Syntax Literate: Jurnal Ilmiah Indonesia INOVTEK Polbeng - Seri Informatika Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Pendekar : Jurnal Pendidikan Berkarakter Ganaya: Jurnal Ilmu Sosial dan Humaniora Chemistry Indonesian Journal of Chemical Research SENTRALISASI SEIKO : Journal of Management & Business Owner : Riset dan Jurnal Akuntansi JURNAL PENDIDIKAN TAMBUSAI Proceedings of the International Conference on Applied Science and Health NISBAH: JURNAL PERBANKAN SYARIAH Walisongo Journal of Chemistry JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JURNAL MANAJEMEN BISNIS Journal of Innovative Science Education Jurnal IMPACT: Implementation and Action LOYALITAS: Jurnal Pengabdian Kepada Masyarakat JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Islamika: Jurnal Keislaman dan Ilmu Pendidikan JURNAL EKSBIS Balance Vocation Accounting Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business Jurnal Sains dan Teknologi Ilomata International Journal of Management EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Journal of Educational Chemistry (JEC) Al-Mal:Jurnal Akuntansi dan Keuangan Islam LEGAL BRIEF Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Jurnal Ekonomi Efektif JURNAL MANAJEMEN AKUNTANSI (JUMSI) SADE Jurnal Arsitektur, Planologi dan Teknik Sipil Jurnal Agrisistem Proceedings Series on Health & Medical Sciences Journal of Aafiyah Health Research (JAHR) Journal of Student Development Informatics Management (JoSDIM) International Journal Of Economics Social And Technology Jurnal Pengabdian Masyarakat Bhinneka Journal of Training and Community Service Adpertisi Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Ekonomika Manajemen Dan Bisnis Journal of Management and Administration Provision Journal of Artificial Intelligence and Digital Business Studies in English Language and Education International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Mandiri: Jurnal Akuntansi dan Keuangan Jurnal Ekonomi, Teknologi dan Bisnis Al Mabhats : Jurnal Penelitian Sosial Agama Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Jurnal Ekonomi Syariah e-Jurnal Apresiasi Ekonomi JAKBS Journal of Economics and Management Scienties Hikmayo: Jurnal Pengabdian Masyarakat Jurnal Literasi dan Pembelajaran Indonesia IIJSE Majapahit Journal of Islamic Finance dan Management Jurnal Kewirausahaan dan Inovasi VISA: Journal of Vision and Ideas Majapahit Journal of Islamic Finance dan Management Nerspedia Jurnal Abdimas Independen ARIMA : Jurnal Sosial Dan Humaniora Al-khidmah: Jurnal Pengabdian dan Pendampingan Masyarakat ABDIMU: Jurnal Pengabdian Muhammadiyah Alamtana Ecobankers : Journal of Economy and Banking Jurnal Ekonomi dan Bisnis Jurnal Pendidikan MIPA Indonesian Journal of Science and Public Health As-Syirkah: Islamic Economic & Financial Journal JIFA (Journal of Islamic Finance and Accounting) AKSIOMA Nosipakabelo: Jurnal Bimbingan dan Konseling Keislaman ABDISUCI: Jurnal Pengabdian dan Pemberdayaan Masyarakat Journal of Literature Review Cendekia: Jurnal Pengabdian Masyarakat
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Analisis Faktor Yang Mempengaruhi Nasabah Non Muslim Menjadi Nasabah Di USPPS Ausath Blokagung Karangdoro Kecamatan Tegalsari Kabupaten Banyuwangi Suprapto, Ribut; Inayah, Nurul; Anjastika, Anggi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 1 (2024): Januari 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i1.2916

Abstract

This study aims to determine the effect of religio us stimuli, services, promotions, and profit sharing on the interest of non-Muslim customers at Uspps Ausath Blokagung. (X1), service (X2), promotion (X3), profit sharing (X4) as independent variables and interest of non-Muslim customers (Y) as variables. bound (dependent). Sampling technique with probability sampling. The data collection is done by means of interviews, observation, questionnaires (questionnaire) and documentation. The results showed that the partial test (1) religious stimuli had a positive and significant effect on the interest of non-Muslim customers at Uspps Ausath Blokagung, having a tcount value of 2.987 which is greater than ttable 0.374 with a significant probability level of 0.006 which is smaller than 0.05 which is means significant value. (2) service has no significant effect on the interest of non-Muslim customers in Uspps Ausat Blokagung. (3) promotion has no significant effect on the interest of non-Muslim customers at Uspps Ausath Blokagung. (4) profit sharing has no significant effect on the intention of non-Muslim customers at Uspps Ausath Blokagung. (5) Meanwhile, from the simultaneous testing of the F test, it is known that religious stimuli, services, promotions and profit sharing on the interest of non-Muslim.
Analisis Implementasi Kebijakan Standar Pelayanan Minimal Penyakit Hipertensi di Puskesmas Kalabbirang Kabupaten Pangkep: Policy Implementation Analysis of Minimum Service Standards for Hypertension Disease at Kalabbirang Health Center, Pangkep Regency Inayah, Nurul; Razak, Amran; Batara, Andi Surahman; Gobel, Fatmah Afrianty; Mahmud, Nur Ulmy; Rusydi, Arni Rizqiany
Journal of Aafiyah Health Research (JAHR) Vol. 6 No. 2 (2025): JULY-DECEMBER
Publisher : Postgraduate Program in Public Health, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52103/jahr.v6i2.2065

Abstract

Abstrak Latar Belakang : Standar Pelayanan Minimal (SPM) bidang Kesehatan merupakan acuan bagi Pemerintah Daerah Kabupaten/Kota dalam penyediaan pelayanan Kesehatan yang berhak diperoleh setiap warga secara minimal dengan target SPM wajib 100% setiap tahunnya. Pelaksanaan SPM pada pelayanan penderita hipertensi di Puskesmas Kalabbirang yaitu sebanyak 2499 kasus, namun hanya 499 dengan capaian (41,83%) kasus hipertensi yang mendapatkan pelayanan Kesehatan sesuai standar. Tujuan : Untuk mendapatkan Gambaran secara mendalam tentang analisis implementasi kebijakan standar pelayanan minimal penyakit hipertensi di Puskesmas Kalabbirang. Metode : Jenis penelitian ini adalah analisis kualitatif dengan pendekatan fenomenologi. Metode deskriptif adalah penelitian yang melukiskan, menggambarkan, atau memaparkan keadaan objek yang diteliti sebagai apa adanya, sesuai dengan situasi dan kondisi ketika penelitian tersebut dilakukan. Hasil : Hasil penelitian menunjukkan bahwa komunikasi belum berjalan dengan maksimal, kebijakan SPM hipertensi yang dimuat dalam PMK No. 4 tahun 2019 belum ditransmisikan kepada Masyarakat sebagai sasaran dari kebijakan. Sumber daya manusia masih kurang memadai, disposisi sudah berjalan dengan baik, telah melaksanakan koordinasi dan komitmen melibatkan lintas program dan lintas sektor terkait. Struktur birokrasi sudah berjalan cukup baik. Mekanisme pelaksanaan berjalan sudah berjalan sesuai SOP dengan pedoman peraturan Menteri Kesehatan No. 4 Tahun 2019. Implementasi SPM pelayanan penyakit hipertensi di Puskesmas kalabbirang sudah berjalan cukup baik. Diharapkan dinas Kesehatan Kabupaten pangkep dan Puskesmas kalabbirang agar meningkatkan aspek komunikasi, sumber daya, disposisi dan struktur birokrasi dalam pelaksanaannya. Kesimpulan : Kesimpulan penelitian ini ialah aspek komunikasi, struktur birokrasi serta disposisi dinilai cukup optimal dalam keberhasilan program Keluarga Berencana di Kab. Pangkajene dan Kepulauan. Sedangkan aspek sumber daya belum teraktualisasi dengan baik. Abstract Background: The Family Planning Program aims to plan births in order to improve the welfare of mothers and children and ensure controlled population growth. In Indonesia, the family planning program is based on Law Number 52 of 2009 concerning Population Development and Family Development. Based on data from the DPPKB of Pangkep Regency, there has been a decrease in the number of acceptors in the last 3 years. Objective: To explore the implementation of the family planning program policy in Pangkajene and Kepulauan Regency. Method: This type of research is a qualitative analysis with a phenomenological approach. Data were collected through in-depth interviews with 9 informants. The informant selection technique was purposive sampling. Results: The results of the study showed that the communication aspect was running optimally, as seen from the counseling and promotion of family planning activities that were running well. Although the average family planning acceptor did not participate in counseling because not aware of the activity. In addition, it was found that the human resources aspect was not optimal in terms of quantity, so that family planning counselors had multiple tasks. However, it was considered optimal in terms of quality because all parties had received training. Financial resources and infrastructure are also met because they’re well available. From the disposition aspect, the local government is quite committed because the family planning program can run well, even though this program is not yet based on local regulations, supported by KB officers who are active in the service. Meanwhile, from the aspect of bureaucratic structure, each participants doing the tasks with fragmentation and family planning services have a clear flow according to SOP. Conclusion: The conclusion of this study is that the aspects of communication, bureaucratic structure, and disposition are considered quite optimal in the success of the Family Planning program in Pangkajene and Kepulauan Regency. Meanwhile, the resource aspect hasn’t been properly actualized.
Analisis Kesesuaian Perlakuan Akuntansi Murabahah Berdasarkan PSAK 102 Di BMT Usaha Artha Sejahtera Surepno, Surepno; Inayah, Nurul
Al-Mal: Jurnal Akuntansi dan Keuangan Islam Vol. 3 No. 1 (2022): Juni 2022
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mal.v3i1.10812

Abstract

Penelitian ini bertujuan untuk menganalisis perlakuan akuntansi murabahah pada BMT Usaha Artha Sejahtera yang disesuaikan dengan PSAK 102. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data yang digunakan terdiri dari wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa masih ada perlakuan akuntansi yang belum sepenuhnya sesuai dengan PSAK”102 yaitu saat terjadi pengakuan dan pengukuran aset murabahah BMT Usaha Artha Sejahtera“tidak melakukan pengakuan aset murabahah sebesar harga perolehan barang, tidak menggunakan rumus tertentu dalam menentukan margin murabahah, BMT”tidak mengenakan denda kepada nasabah tetapi memberikan surat teguran sesuai dengan kebijakan pihak BMT. Keterbatasan pada penelitian ini yaitu objek pengamatan penelitian terfokus pada BMT sehingga membuka peluang bagi peneliti selanjutnya untuk menambahkan objek yang lebih luas. Implikasi Pada penelitian ini yaitu penyajian“piutang murabahah tidak disajikan di neraca sebesar nilai bersih yang dapat”direalisasikan, tetapi“menjadi satu dengan akad piutang yang lainnya sebagai piutang”dan pembiayaan,“margin murabahah tangguhan tidak diungkapkan sebagai pengurang piutang murabahah, namun dicatat sebagai piutang dan pembiayaan dan pihak BMT tidak mengungkapkan margin murabahah, namun diungkapkan jadi satu dengan akad pembiayaan yang lainnya sebagai bagi hasil”pembiayaan.
Strategi Pemasaran Syariah Pada Produk Cicilan Emas Dalam Upaya Meningkatkan Jumlah Nasabah Bsi Kcp Banyuwangi Purwoharjo Fitriatussoleha, Nuril; Mira Ustanti; Inayah, Nurul
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3708

Abstract

This study analyzes the marketing strategy of gold installment products based on murabahah contracts at BSI KCP Banyuwangi Purwoharjo using qualitative methods and the SWOT approach. This analysis aims to identify strengths, weaknesses, opportunities, and threats in an effort to improve marketing effectiveness and minimize the risk of making inappropriate decisions. The findings show that the main strengths of the product lie in compliance with sharia principles, transparency of contracts, and stability of gold investment. However, weaknesses such as low public literacy and limited accessibility remain a challenge. On the other hand, opportunities such as increased awareness of sharia products and new market segments such as high school and university students can be utilized to expand customer outreach. The recommended strategies include product development for young segments, increasing financial literacy through education, optimizing digital promotions, and collaboration with educational institutions. With this approach, BSI KCP Banyuwangi Purwoharjo can strengthen its position in the market, face gold price fluctuations, and compete with other financial institutions. This study concludes that a combination of strengths and opportunities-based strategies and mitigation of weaknesses and threats can be the key to successful marketing of sharia-based gold installment products.
The Implementation of Good Corporate Governance (GCG) in Preventing Fraud at CV. Anugrah Jaya Logistik Wijaya, Muhammad Aulia; Inayah, Nurul
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 8 No 3 (2025)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v8i3.4774

Abstract

This study aims to analyze the implementation of Good Corporate Governance (GCG) in preventing fraud at CV. Anugrah Jaya Logistik. The research employed a qualitative approach using a case study method. Data were collected through in-depth interviews, observations, and documentation of the company’s internal activities related to the principles of GCG, such as transparency, accountability, responsibility, independence, and fairness.The findings indicate that the implementation of GCG at CV. Anugrah Jaya Logistik is generally well-executed, particularly in the areas of transparency and accountability. However, gaps remain in the aspects of independence and internal supervision, which may create opportunities for fraud. The significant contribution of this study lies in its strategic recommendations for strengthening internal control systems, enhancing employee ethics training, and establishing an independent audit committee to reinforce oversight mechanisms. These findings are expected to serve as a reference for similar companies in implementing GCG more effectively to minimize the risk of fraud in business operations.
Faktor-Faktor Yang Mempengaruhi Penggunaan Mobile Banking Syariah Dengan Pendekatan Theory Of Planned Behavior Pada Mahasiswa Perbankan Syariah UIN Sumatera Utara Siregar, Safa Maisyarah; Batubara, Maryam; Inayah, Nurul
Ecobankers : Journal of Economy and Banking Vol. 4 No. 2 (2023): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v4i2.1167

Abstract

Dengan pendekatan Theory of Planned Behaviour yang mempertimbangkan ciri-ciri sikap, norma subyektif, dan persepsi kontrol perilaku, riset ini bermaksud untuk menyelidiki variabel-variabel yang mempengaruhi minat konsumen dalam memilih untuk menggunakan Mobile Banking Bank Syariah. Teknik kuantitatif digunakan dalam studi semacam ini. Mahasiswa UIN Sumatera Utara Angkatan 2018 yang mengambil jurusan Perbankan Syariah menjadi populasi dan sampel riset ini. Sikap, norma subyektif, persepsi kontrol perilaku, dan keinginan dalam memanfaatkan mobile banking syariah merupakan faktor-faktor yang dipakai dalam riset ini. Data sekunder digunakan sebagai sumber data. teknik pengumpulan data melalui kuesioner. Sampel yang dipakai yakni 45 responden yang menggunakan mobile banking syariah. Dengan bantuan program SPSS versi 25 digunakan teknik analisis data sebagai berikut: analisis deskriptif, uji validitas, uji reliabilitas, uji asumsi klasik, uji hipotesis, dan uji regresi linier berganda. Temuan riset memperlihatkan bahwa (1) minat memanfaatkan mobile banking syariah secara signifikan dipengaruhi oleh variabel sikap. (2) Niat menggunakan mobile banking syariah tidak dipengaruhi secara signifikan oleh variabel norma subyektif. (3) Keinginan mengadopsi mobile banking syariah dipengaruhi secara signifikan oleh variabel perceived behavioral control. (4) Faktor sikap, standar subjektif, dan persepsi kontrol perilaku berpengaruh terhadap keinginan pengguna dalam memanfaatkan mobile banking syariah.
Analisis Penanganan Nasabah Meninggal Dunia pada Pembiayaan Murabahah di Bank Syariah Indonesia KCP Seumadam Elsa, Nazwa Alpuja; Yanti, Nursantri; Inayah, Nurul
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.230

Abstract

Penelitian ini meneliti cara penyelesaian pembiayaan murabahah saat nasabah meninggal dalam lembaga perbankan syariah di Indonesia. Dengan menggunakan metode kualitatif deskriptif, informasi dikumpulkan melalui analisis dokumen kebijakan, pemeriksaan arsip klaim, dan wawancara semi-terstruktur dengan petugas pembiayaan, tim kepatuhan syariah, serta mitra takaful. Analisis tematik diterapkan untuk menggambarkan proses penanganan dari saat diberitahukannya kematian nasabah, verifikasi waris, pengajuan klaim di perusahaan takaful, hingga penyelesaian kewajiban dan penutupan akad. Temuan menunjukkan ada tiga pola utama; (1) pelunasan oleh penanggung (takaful kredit) sesuai dengan sisa pokok yang tercantum pada polis; (2) pelunasan oleh ahli waris jika klaim bersifat parsial atau ditolak; dan (3) restrukturisasi terbatas tanpa mengabaikan kepatuhan pada Fatwa DSN-MUI terkait murabahah. Kendala utama yang dihadapi meliputi kelengkapan dokumen waris, penyelarasan data antara bank dan takaful, serta interpretasi klausul pengecualian risiko. Praktik terbaik yang disarankan termasuk pengintegrasian manfaat perlindungan jiwa syariah pada saat akad, pembuatan daftar periksa standar untuk klaim, dan komunikasi yang proaktif antar pihak terlibat. Hasil penelitian ini memperkaya kajian mengenai interaksi antara bank dan takaful dalam mengurangi risiko pembiayaan serta memberikan pedoman operasional bagi bank syariah untuk menyeimbangkan kepentingan nasabah atau ahli waris, kepatuhan syariah, dan kesehatan portofolio.
Pengaruh Pembiayaan KUR Mikro Bank Syariah terhadap Perkembangan UMKM: Peran Syari’ah Compliance sebagai Variabel Moderasi Oktavia, Rizka Dwi; Syahbudi, Muhammad; Inayah, Nurul
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.8253

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a critical pillar of the economy in Indonesia, yet they often face fundamental obstacles in accessing effective and affordable financing, which hinders their growth potential. This study aims to deeply analyze the influence of the Micro Business Credit (KUR) program, distributed by Bank Aceh Syariah, on the development of MSMEs in Medan City. Furthermore, this study also assesses the strategic role of Shariah Compliance as a moderating variable presumed to strengthen this relationship. Using a quantitative method with a survey approach, primary data were collected from 35 respondents selected via purposive sampling out of a total of 500 KUR recipients. Data analysis was conducted comprehensively using SPSS, encompassing validity and reliability tests, descriptive analysis, simple linear regression, and Moderated Regression Analysis (MRA). The research findings indicate that KUR has a positive and significant impact on the development of MSMEs. The Shariah Compliance variable was also found to significantly strengthen this relationship, as indicated by an increase in the coefficient of determination from 78.5% to 88.3% after the inclusion of the moderating variable. This finding confirms that sharia-based financing not only enhances financial access but also strengthens the business fundamentals of MSMEs.
Mengungkap Pengaruh Dana Pihak Ketiga dan Modal Sendiri terhadap Pembiayaan BPRS: Analisis Moderasi Inflasi Fauziyah, Auliya; Syahbudi, Muhammad; Inayah, Nurul
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.8264

Abstract

Islamic financial institutions in Indonesia have experienced tremendous expansion. Sharia-compliant banks play a crucial role in collecting public funds and channeling financing to strengthen the economy. The purpose of this research is to examine the influence of Third-Party Funds (DPK) and Equity Capital on financing at BPRS Puduarta Insani, and to analyze the moderating role of inflation in these relationships. Using secondary data from the Financial Services Authority (OJK) for the period 2015-2023, this study applies Moderated Regression Analysis (MRA). The findings indicate that Third-Party Funds (DPK) have a significant positive effect on financing (β = 0.751; p < 0.05), confirming their role as a primary source of intermediary funds, while Equity Capital was not found to have a significant effect. The study's key finding is the significant role of inflation as a moderating variable. Inflation was proven to weaken the influence of DPK on financing (interaction coefficient = -0.322; p < 0.05) as well as the influence of Equity Capital (interaction coefficient = -0.204; p < 0.05). This model explains 89.4% of the variance in financing (R² = 0.894). This implies that in high-inflation situations, the role of DPK and capital in supporting financing expansion tends to decline due to greater risk considerations by the bank.
ANALYSIS OF FACTORS THAT INFLUENCE TRUST ISSUE SOCIETY ON LIFE INSURANCE PRODUCTS Harahap, Salwa Hayati; Inayah, Nurul; Arif, Muhammad
Jurnal Apresiasi Ekonomi Vol 13, No 3 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i3.991

Abstract

This study aims to analyze the factors influencing public trust in life insurance products in Indonesia. Using a qualitative approach, this study explores various factors contributing to low public trust, including a lack of understanding of life insurance products, negative experiences in the claims process, and the attitudes of insurance agents who lack transparency and tend to force sales. Furthermore, cultural and religious factors also impact public perceptions of life insurance. The results indicate that to increase public trust, insurance companies need to increase education and outreach, improve the transparency of product information, and optimize services, especially in the claims process. With these steps, it is hoped that public trust in life insurance products will increase, encouraging broader participation and the development of a healthier insurance industry in Indonesia.
Co-Authors -, Rampeng Abdul Wahid Suleman Adnan Sauddin Adriani Muhlis, Adriani Agustin, Elisa Ahmad, Muh. Nur Aini, Wahidatul Alanggi, Gio Alfisyahra, Alfisyahra AMALIYAH, FITRI Aminuyati Amirullah -, Amirullah Amran Razak Andri Permata Sari, Andri Permata Andriani, Maya Anggita, Nadya Dewi Anggrie NST, Silvia Ani Nur Aeni, Ani Nur Anjastika, Anggi Annas, Muhamad Aqwa Naser Daulay Ardena, Dinda Ardity, Vanesya Aura Arham, Muhammad Dai Ariani, Wika Arianto, Tony Arif Eko Wibawanto Arifin Fauzi Lubis Arini, Naura Nazhyrah Ariyatun, Ariyatun Arnida Wahyuni Lubis At'thahirah, At'thahirah atika Atikah, Tika Dewi AZIZAH AMAL Baiq Ismiwati Batubara, Maryam Budhy Kurniawan Chandra, Freddy Chasanah, Laily Fajria Dalimunthe, Yuli Saputri Damanik, Nursapa Indah Darmawani ., Darmawani Darwis, Herman Daud, Bukhari Desi Tri Kurniawati Devi Rahmayanti Dewi Nur Indah Sari, Dewi Nur Indah Dewi Satria Ahmar Diana Achmad Dimas Wisnu Adrianto Elsa, Nazwa Alpuja Endang Komariah, Endang Ernawati, Potjut Fadiana, Devi Fadillah, Muhammad Aris Fahira, Lulu Fahreza, Muhammad Faisal Saade, Muhammad Faizin, Syuura Annisa Fatir, Muhammad Fatmah Afrianty Gobel Fauziyah, Auliya Ferry Sobatnu, Ferry Fitri, Heldia Fitri, Syahruna Fitriadita, Fitriadita Fitriatussoleha, Nuril Fitriyadi Fitriyadi Fitroh, Adini Anwaril Galuh Tresnani Gunawan Prayitno Hafizah, Raisya Hakim, Mahrizal Hanafi, Burhan Handayani, Nisah Handayani, Tri Hadi Handra Humala Dalimunthe Hanim, Rafidah Harahap, Andi Hotmatua Harahap, Lesti Harahap, Muhammad Ikhsan Harahap, Salwa Hayati Hasibuan, Elpina Yanti Hasibuan, M. Fawwaz Eljawahir Hendra Harmain Hendra Heriansyah heriyani agustina, heriyani Herjuno Ari Nugroho, Herjuno Ari Hermintari, Novia Hidayatullah, Mohammad Nurul Hirsan, Muh Humaira, Syuqaira El Humairah, Mila Hutabarat, Nadya Namora Hutagalung, Mulky Alrasi Imam Supardi, Kasmadi Imsar, Imsar Inayah, Fitriadi Indra Indra Indra Syahputra Indradewa, Rhian Iqram, Muh. Irawan, Faris Ade Irma Setiawan, Irma Irwan Kasse ISLAMUL HADI Ismail, Syawaluddin Jannah, Khalifatul Jeandry, Gregorius jelita, jelita Junaidi Junaidi khairudin imawan, khairudin Khoirunnisa, Siska Khotima, Husnul Khusna Arif Rakhman, Khusna Arif Kilwarany, Novita Kusumaningthiyas, Wike Adisti Latifil Ansori, M. Mukhtar Lely Ana Ferawati Ekaningsih Lubis, Anita Pramadani Lubis, Putri Safa Aulia M. Ridwan Tikollah Maharadatunkamsi Maharadatunkamsi, Maharadatunkamsi Maimanah, Hasbul Mallapiang, Yasser Mamlukhah, Mamlukhah Mansur Margono, Bagus Marliyah, Marliyah Masdiputri, Sri Nuriyaty Maskur Maskur Masruri Masruri Masyhudi, Din Maulida, Adellia Ika Maulidar, Eka Maullida Hayati Meiliasari, Rosana Meinarni, Welli Mira Ustanti Moh. Harun Al Rosid Monika, Sherli Mu'alimuddin, Ahmad Zubair Mubarak, M. Zainun Syauqil Muh. Hasbi Muhammad Arif Muhammad Rifai Muhammad Rijal Alfian muhammad rizky, muhammad muhammad Syahbudi, muhammad Muliawati, Ida Musawwir Muslem, Asnawi Muslim, Rany Mustafa, Linda Kurnia Mustopa Musyarofah Musyarofah, Musyarofah Muthalib, Kismullah Abdul Mutiara Sari Mutiarani Mutiarani Mutiati, Enni Nadrah, Nadrah nasikhin Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Hafizah Mahira Nasution, Juliana Nasution, Nurwani Nasution, Yenni Samri Nawal Ika Susanti, Nawal Ika nawawi, m. Ni'mah, Hilmatun Ningrum, Puji Novia, Niza Noviani, Aris Nur Asia, Nur Nur Halimah Nur Hasanah Nur Indah Sari, Dewi Nur Ulmy Mahmud Nur, Lailan Nur, Nahya Nurani, Nadia Sarah Nurdinah Hanifah Nurfatimah Sugrah Nuri Aslami Nurkomariah, Nurkomariah Nurlaila Mubarokah Nurmala Sari Nursantri Yanti Nurul Jannah Nurul Purnomo Oktavia, Rizka Dwi Padjalangi, Andi Muhammad Yaqkin Pardamean Siregar, Pardamean Patrisia, Putri Permana, I Nyoman Yoga Permata, Clarisca Audyta Pohan, Komariah Hapni Pratiwi, Triana Surya Prayogi, Feri Qarni, Waizul Quraniyah, Fike R, Rifaldi Rachmat Kosman, Rachmat Rahim, Fazly Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Rahmilah, Nurdia Ramadhani, Anggraini Ramadhani, Sri Rarastoeti Pratiwi Rasul, Mat Razip, Muhammad Khaerul Rhokan, Mustapa Khamal Ridwana, Salzabillah Dwi Riska, Elvina Ritonga, Aprilia Amanda Ritonga, Melisa Ananda Putri Rohmah, Siti Nur Rokan, Mustafa Kamal Ruhaidani, Emma Ruri Aldisyah Siregar Rusmayadi Rusydi, Arni Rizqiany Ryketeng , Masdar S Mursiti Sa'diyah, Halimatus Sabrina, Luthfia Sadewo, Imran Sakdiah, Halimatu Sandi, Muhammad Santi, Eka Santri Yanti, Nur Saparuddin Latu Saputra, Ashadi Febrian Saputra, Rastra Yudha Saragih, Rini Maretha Sardianto Sardianto Sardianto, Sardianto Sari, Septi Indah Permata Sa’diyah, Halimatus Selvin, Agustina Septhia Irnanda, Septhia Shafira, Riski Shodiq, Adib Muhammad Sigit Wiantoro, Sigit Sijabat, Winda Irmayani Sipahutar, Ana Pahira Siregar, Nabila Safutri Siregar, Safa Maisyarah Siregar, Tarmiji Hamid Siti Maisaroh Siti Sarah Fitriani, Siti Sarah Siti Zaenab Sitorus, Eva Afrilisa Sitorus, Friska Olavia Soesilo, Nyoman Puniawati Soesilo, Nyoman Puniawati Sofyan A. Gani sri sudiarti St. Hadijah, St. Hadijah Wahi Suhel, Heny Ningtyas Sujariati Sujariati, Sujariati Sukmawati Syarif, Sukmawati Supardiono, Supardiono Suprapto, Ribut Surepno, Surepno Surya Adi, Cheetara Novatriyanti Suryani Suryani Susiani, Rini Syafaat, Muhtar Syafa’at, Abdul Kholiq Syamsiar, Syamsiar Syamsidar Syamsul Bahri Syifa, Fenia Torus, Fadillah Rahmi Khairunnisa Br Tuti Anggraini Ufrah, Ufrah Ulfatun Hasanah Ulfatun Hasanah Wartika Rosa Farida Wijaya, Muhammad Aulia Yahya, Ubaidillah Yastin David Batara, Yastin David YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Ys, Syamsul Bahri Yuliadi Zamroni Yulsafli Yulsafli, Yulsafli Zahra Nabila Iqbal Zama, Azhari Zamli Zamraji, Yunus Zhavira, Alifya Zubair, Arie Gunawan Hazairin Zuhrinal M. Nawawi Zulfadli A. Aziz, Zulfadli A. Zuraini, Irma